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IMPERIAL BEACH, Calif. (KGTV) — Key improvements are on the way to the iconic Imperial Beach pier.The Port of San Diego is reallocating .8 million to make the changes to the city's biggest attraction. The shift comes after the city dropped a plan to build public bathrooms about a half-mile down the beach.Nearby residents had raised safety concerns. RELATED:South Park gets iconic neighborhood signNew ADA access ramp at Dog Beach sparks controversyNew development aims to reinvigorate National City"We suddenly realized we only had so much money, we needed to put our efforts into something that was community driven," Imperial Beach Mayor Serge Dedina said. The pier, built in 1989, replaced its predecessors that had been unable to withstand large waves brought by storms. By next year, the pier should get more benches, beach-themed art, improved railings with beach-themed messages, more infrastructure for fishers, and a marker at the spot that is the most southwesterly point in the continental U.S. In 2022, the pier could get shade structures and a cantilevered extension lounge."People love to come and walk on the pier," Dedina said. "It's the town plaza for Imperial Beach."A spokeswoman for the port said the minor improvements don't need any further approval, but the shade structures and extension lounges will need to go through environmental review. 1378

In a crisis, long-term planning may lose out to quick and dirty solutions — regardless of the consequences.As the pandemic and its economic fallout continues, more cash-strapped consumers could fall into this trap if the Great Recession is any indicator.A recent report by the Consumer Financial Protection Bureau found that from 2007 through 2010, debt settlements — which can be financially risky — increased. Meanwhile, credit counseling, a debt relief option that keeps consumers in good standing with their creditors, declined.Before you hit a moment of crisis decision-making, understand how to think through debt relief options.Why debt settlement isn’t all it’s marketed to beYou’ve probably heard the radio ads or maybe received a robocall promising a solution to your debt that can cut what you owe by 50% or more.Debt settlement claims are as lofty as the industry’s marketing budget. But these programs aren’t all they’re hyped up to be — and the ads gloss over the downsides.With debt settlement, you stop making payments to creditors and instead direct your money to the debt settlement company, which holds it in an escrow account. Then, typically after several months, the company contacts your creditors and haggles to cut a deal where the creditor accepts less than originally owed. This period of waiting between when you stop paying creditors and the debt is settled (which isn’t guaranteed) is where things can go awry.“There’s no free lunch,” says Glenn Downing, a Miami certified financial planner. “There really are some significant trade-offs with debt settlement. I’d try to make it a last resort.”Debt settlement risks include:Leaving yourself open to lawsuits: When you stop making payments to creditors and debts go delinquent, you can be sued by the original creditor or by a debt collector who purchases the debt. Until the debt is resolved, either through full payment, settlement or bankruptcy, you’re at risk of being sued.Owing a tax bill: The IRS considers any amount of debt settled as taxable income.Saving less than what was advertised: Debt settlement companies often take a fee of around 30% of your original debt balance. So even if you did settle for 50% of what you originally owed, you won’t come out as far ahead as you might expect after you pay the fee to the settlement company. Additionally, your debt can continue to grow when you stop making payments, as late fees and interest are added to your balance.Credit damage: Missing payments and defaulting on your debts are among the worst things you can do to your credit. These marks stay on your credit reports for around seven years and will make you look risky to future creditors, which can result in you not being approved for credit or having to pay higher interest rates.A better choice for long-term financial healthWhat if there was a way to roll multiple credit card payments into one, at a lower interest rate — while preserving your good standing with your creditors?That’s what nonprofit credit counseling agencies offer. These organizations have arrangements with many credit card companies that provide a lower interest rate in exchange for regular monthly payments over three to five years to resolve your debt.But many consumers aren’t aware of these benefits, according to a 2018 Harris Poll survey commissioned by Money Management International, a nonprofit credit counseling agency. It found that 62% of the 2,012 respondents didn’t know credit counseling can roll multiple credit card debts into one payment. And 73% weren’t aware that credit counseling offers lower interest rates on credit card debt.There are some drawbacks if you use a credit counseling agency’s debt management plan. You typically need a regular income to qualify, and if you miss a payment, the agreement can be dissolved, leaving you to manage on your own.But for the long-term health of your credit profile, credit counseling is the clear winner. This debt relief tool generally keeps consumers in good standing with creditors since they’re making good on their obligations. The only harm to their credit profile would come from closing credit accounts, which some agencies require.To find a reputable nonprofit credit counseling agency, look for one that has been certified by the National Foundation for Credit Counseling or the Financial Counseling Association of America.Know when a third option might be bestBefore choosing debt settlement or credit counseling, consider whether:You’re barely able to make regular debt payments.Your monthly debt payments — excluding student loans and housing costs — exceed 40% of your take-home pay.Your debt burden is interfering with your quality of life, for instance keeping you up at night.If so, you might want to consider bankruptcy. Although it’s been stigmatized, this debt relief tool can resolve what you owe faster than credit counseling or debt settlement. In addition, credit scores can start to rebound quickly in the months after filing.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow Credit Counseling Can Help YouDebt Settlement: How It Works and Risks You FaceWhen Bankruptcy Is the Best OptionSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 5312

I have asked Superintendent Hampton, Sheriff Reese, and Chief Lovell to review any alleged incidents involving officers from each of their agencies during joint operations last night.— Governor Kate Brown (@OregonGovBrown) September 28, 2020 249

IMPERIAL BEACH (KGTV) -- Just in time for spring break, county health officials announced Saturday that it's safe to go back into the waters of Imperial Beach. The re-opened beach-line includes the south end of Seacoast Drive to Carnation Avenue (including Camp Surf) in Imperial Beach.The ocean shoreline from the International Border to the south end of Seacoast Drive will remain closed until sampling confirms these areas are safe for water contact, officials said."Testing confirms water quality along the Imperial Beach shoreline meets State health standards following recent Tijuana River sewage impacts," said the Department of Environmental Health and Hazardous Materials Division."Recent water quality testing conducted by DEH confirms that Tijuana River flows are no longer impacting these beaches," the DEH said.The announcement comes after weeks of beach closures due to a sewage-contaminated runoff into the Tijuana River valley which flowed into south county beaches. The beaches have been closed over a dozen times as a result of the heavy rainfall this season."Tijuana River flows enter the Tijuana Slough National Wildlife Refuge and associated estuary before being discharged to the Pacific Ocean, just over a mile north of the International Border," according to the DEH.Anyone who needs more information is asked to call the U.S. International Boundary & Water Commission at 619-662-7600. Click here for updated water reports. 1461

In a sea of graduation caps, how do you stand out? Increasingly, students are decorating their caps to showcase some part of their life.UNLV professor and folklorist Sheila Bock began studying trends behind graduation caps after she first arrived in Las Vegas in 2011. She began formally researching in 2015, taking photos from around the country and interviewing students on their graduation cap design choices."So one category is one of celebration and optimism and looking into the future, 'I did this', 'the best is yet to come', which isn't that surprising because that's kinda the whole point of the graduation ceremony," Bock said.Some examples include "Today is a perfect day to start living your dreams" or "Adventure is out there." While Bock said many celebrate "education as this stepping stone towards people's own individualized version of pursuing the American Dream," she also found a lot of examples of people pushing back against that story, rather by "Game of Loans" referencing college loan debt or highlighting the less positive aspects of their college experience. "Family relationships, whether they have kids, whether they have been dealing with a brain tumor, this is a space where students or graduates are really trying to highlight 'I did this' and here are the struggles I had to go through in order to get to this moment," Bock said, also noting that some students use the caps as a memorial to family and friends they've lost. But one thing she has noticed in the past few years is the caps have started to take more of a lean toward the political. Bock noted that there has been a long tradition of political themes, dating back to the 1960s and caps decorated with peace signs in reference to the Vietnam War. "It's not to say people weren't doing it before but I'm seeing it happen as a more widespread practice. People are asserting overtly political messages, like Black Lives Matter," she said. "Or making references to language from the political landscape, 'nevertheless she persisted.' Or calling attention to specific identities that have recently become very politicized, immigrant identities."Hashtags on social media, such as #Immigrad and #Latinxgrad, also inspire others of similar identities to create their own caps, Bock said."They want to use this space of the graduation ceremony, this space of celebration, this space to recognize accomplishment, to make themselves visible," she said. "To make these marginalized identities visible and say I'm in this space, I belong in this space and I want to make myself known."But what about students who decide not to decorate their caps? "The main reason is that people feel this sense of formality to the ceremony that they would like to keep intact," Bock said. "Oftentimes, it's not necessarily that they see other people decorating their cap that they're doing something wrong. They're saying I don't have something to say badly enough to put it on a cap and kind of disrupt the formality of the occasion."The majority of the caps Bock and her student assistants have documented so far are from UNLV, along with some from Ohio State University, where Bock received her graduate degrees. Bock approached the university's Center for Folklore Studies to create a digital archive of her materials.Officially titled “Decorated Mortarboards: Forms and Meanings,” the project invites participation through surveys, interviews, and social media posts with #gradcaptraditions.Bock emphasized any graduate, no matter when or where they graduated, is welcome to share their caps. More information can be found here. 3644

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